Business loans in Cambridge, Massachusetts

Business Loans in Cambridge, MA

One application reaches 70+ lenders who fund Cambridge businesses daily. $10K to $20M+. Soft-pull pre-qual.

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Cambridge Market

Why Cambridge Businesses Choose Basecamp

Cambridge is the biotech capital of the world. Kendall Square — within 2 miles of MIT — houses Moderna, Biogen, Vertex, Sanofi, Novartis, and 1,000+ life sciences companies. It's the densest concentration of biotech talent and capital on earth.

Harvard University and MIT anchor an education ecosystem that feeds the biotech, tech, and professional services sectors. Harvard Square, Central Square, and Inman Square have thriving restaurant and retail scenes that serve the student and professional population.

Cambridge has the highest commercial rents in New England. Lab space in Kendall Square commands $80-$120/sq ft NNN. But the demand is so strong that vacancies are among the lowest in the country. Businesses here compete for space and talent — and the ones with capital ready to deploy win.

Real Results

Funded in Cambridge

Real financing scenarios for Cambridge businesses through our lender network.

🧬

Biotech Lab Equipment

$1.5M in biotech lab equipment for a startup scaling production. 10% down ($150K). Section 179 deducted $1.5M. Tax savings: $555K at 37%.

$1.5M equipment → $150K down → $555K tax savings

💻

Tech Working Capital

$1M working capital for a life sciences SaaS company bridging to Series A. Revenue-based financing with no equity dilution. Funded in 4 days.

$1M funded → 4 days → no equity dilution

🍽️

Restaurant

$600K revenue-based capital stack for a Harvard Square restaurant: equipment financing for the kitchen buildout + working capital against the operator's existing locations (see /loans/business-acquisition).

$600K funded → 10% down → Harvard Square location

🏢

Commercial Property

$2M acquisition of a mixed-use building in Central Square. Retail + office tenants. SBA 504 with 10% down.

$2M funded → 10% down → Central Square property

“Lab space in Kendall Square has a 2-week window before someone else takes it. We needed $1.5M in equipment financing to be production-ready by our grant deadline. Basecamp funded us at 10% down with $555K in Section 179 savings.”

— Biotech founder, Cambridge MA

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See What Cambridge Lenders Will Offer You

One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.

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✓Funded as fast as same day
✓70+ lenders compete for your business
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$10K$250K/mo$2M+

Estimated Approval Range

$250K – $375K

Based on 100-150% of monthly revenue

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Industries We Fund

Top Industries in Cambridge

🧬

Technology (Biotech)

Kendall Square — Moderna, Biogen, Vertex. 1,000+ life sciences companies. The densest biotech cluster on earth.

🦷

Healthcare

Cambridge Health Alliance, Mount Auburn Hospital. Medical practices serving the university and biotech community.

🍽️

Restaurants

Harvard Square, Central Square, Inman Square — Cambridge's food scene serves students, professors, and biotech professionals.

🏗️

Construction

Lab buildouts, office renovations, and commercial construction in the most expensive market in New England.

🏭

Manufacturing

Biotech manufacturing, lab equipment, and precision instruments. Cambridge production serves the life sciences ecosystem.

⚖️

Attorneys

Biotech IP, patent law, venture capital, and corporate law serving the Kendall Square ecosystem.

Market Data

Cost of Business in Cambridge

Key business cost metrics for Cambridge, MA.

CategoryCambridge Data
Commercial Rent$55–$120/sq ft (office/lab) · $20–$35/sq ft (industrial)
Average Wages$105,000 median household income
Permits & Licensing$3,000–$25,000+ depending on scope
Commercial Property Prices$600–$1,200/sq ft (commercial office/lab)

Why Basecamp

Cambridge vs Going to a Bank

Here's why Cambridge business owners choose Basecamp over their local bank.

CategoryTraditional BankBasecamp Funding
Number of lenders1 bank, 1 answer70+ lenders compete for your business
Application time60–90 minutes in-branch60 seconds online
Time to funding45–90 daysSame day to 30 days
Capital availableLimited to bank's appetiteCapital stacks up to $20M+
Credit requirements700+ FICO typicalRevenue-focused — we evaluate total business performance
Specialist supportLoan officer managing 50+ filesDedicated specialist for your transaction
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Funding Built for Your Stage of Growth

Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.

🚀

Growing Businesses

$10K – $1M

Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.

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⭐

Established Businesses

$1M – $5M

Structured financing with capital stacking. Dedicated commercial specialist.

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💎

Commercial & Complex

$5M – $20M+

Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts.

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Recommended Products

Best Loan Products for Cambridge Businesses

The most popular funding types for businesses in Cambridge. Each links to a detailed product page.

🔧 Equipment Financing

Lab equipment, biotech instruments, production machinery — the asset is your collateral. Section 179 saves hundreds of thousands.

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💰 Working Capital

Bridge funding rounds for biotech and tech startups. No equity dilution.

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🏢 Commercial Real Estate

Kendall Square and Central Square properties. SBA 504 with 10% down.

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📊 SBA Loans

Lowest rates for commercial property and practice acquisitions. 10% down.

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FAQ

Frequently Asked Questions — Cambridge Business Loans

Cambridge Business Lending — From the Basecamp Team

Our team works with Cambridge business owners who operate in the most competitive biotech market in the world. Kendall Square lab space has a 2-week window before it's gone. Biotech companies need equipment capital, buildout financing, and working capital structured simultaneously.

Here's what works in Cambridge: capital stacking for property, equipment financing with Section 179 tax savings, and revenue-based working capital that doesn't dilute equity. Check our loan cost calculator to see real numbers.

Bobby Friel, Basecamp Funding Founder

Bobby Friel

Founder, Basecamp Funding

Bobby Friel, Founder of Basecamp Funding

Nearby Markets

Other Massachusetts Cities We Serve

Click through to see funding scenarios, local industry focus, and commercial financing for businesses in these Massachusetts metros.

📍 Boston

Boston is a global center for healthcare and education. Mass General, Brigham and Women's, Dana-Farber Cancer Institute,...

📍 Worcester

Worcester is the second largest city in New England and Massachusetts's manufacturing heartbeat. UMass Medical School an...

📍 Springfield

Springfield is western Massachusetts's largest city and economic hub. Healthcare is the dominant employer — Baystate Med...

📍 Newton-Wellesley

Newton and Wellesley are Boston's wealthiest western suburbs. Newton-Wellesley Hospital anchors the healthcare community...

📍 Quincy-South Shore

Quincy is a mid-size city south of Boston with a rapidly growing Asian-American business community. Restaurants, profess...

📍 Lowell-Lawrence

The Merrimack Valley — anchored by Lowell and Lawrence — has deep manufacturing roots. Textile mills gave way to advance...

📍 New Bedford-Fall River

New Bedford is the commercial fishing capital of the United States — $400M+ in annual catch value, the highest of any US...

📍 Cape Cod (Barnstable-Hyannis)

Cape Cod is one of America's premier tourism destinations — $1.5B+ in annual tourism revenue. But the economy has extrem...

📍 Framingham-Natick

Framingham and Natick anchor the MetroWest corridor — a tech and commercial region west of Boston. Bose Corporation is h...

🏢 Need Commercial Financing Above $1M?

For capital stacks combining SBA, commercial real estate, equipment, and working capital into one structured package from $500K to $20M+, our commercial team structures the full transaction across multiple lenders.

Explore Commercial Financing →
← Back to Massachusetts Business Loans

Cambridge Businesses Don't Wait. Neither Should Your Financing.

One application. 70+ lenders compete. Your dedicated specialist presents your best options.

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